Mortgage lenders in Cumberland County
8,185 mortgages were made in Cumberland County, Maine, in 2025, by 347 lenders. The median rate their borrowers got was 6.750% on a median loan of $305,000. Of 10,279 decisions, 1,798 were denials — 17.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Bangor Savings Bank | 838 | 7.000% | $325,000 | 17.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 583 | 6.599% | $405,000 | 8.1% |
| EVERGREEN CREDIT UNION | 409 | 6.500% | $85,000 | 17.4% |
| TOWN & COUNTRY FEDERAL CREDIT UNION | 394 | 7.250% | $105,000 | 18.2% |
| GUILD MORTGAGE COMPANY | 368 | 6.625% | $385,000 | 5.9% |
| Rocket Mortgage, LLC | 305 | 6.750% | $265,000 | 18.7% |
| CMG MORTGAGE, INC. | 300 | 6.625% | $395,000 | 5.6% |
| The Camden National Bank | 300 | 6.740% | $345,000 | 5.3% |
| TD Bank, National Association | 277 | 7.340% | $175,000 | 20.8% |
| Norway Savings Bank | 266 | 7.250% | $275,000 | 16.9% |
| Maine Community Bank | 244 | Not published | $255,000 | 18.5% |
| Androscoggin Savings Bank | 185 | 6.625% | $465,000 | 3.1% |
| CUMBERLAND COUNTY | 179 | 6.650% | $85,000 | 12.5% |
| Broker Solutions, Inc. | 167 | 6.625% | $415,000 | 7.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 158 | 6.625% | $420,000 | 5.4% |
| Empeople Credit Union | 144 | 6.490% | $145,000 | 33.5% |
| Bank of America, National Association | 110 | 5.990% | $205,000 | 39.3% |
| TRUCHOICE FEDERAL CREDIT UNION | 110 | 7.500% | $95,000 | 3.5% |
| U.S. Bank National Association | 109 | 6.490% | $595,000 | 14.2% |
| Bath Savings Institution | 91 | 7.000% | $305,000 | 14.1% |
| NORTHPOINT MORTGAGE, INC. | 91 | 6.625% | $375,000 | 1.1% |
| TOTAL MORTGAGE SERVICES, LLC | 87 | 6.990% | $455,000 | 2.2% |
| GUARANTEED RATE, INC. | 84 | 6.613% | $485,000 | 7.4% |
| Kennebec Savings Bank | 82 | 6.950% | $305,000 | 10.0% |
| NATIONSTAR MORTGAGE LLC | 80 | 8.250% | $120,000 | 17.3% |
| Saco & Biddeford Savings Institution | 79 | Not published | $545,000 | 8.8% |
| ATLANTIC REGIONAL FEDERAL CREDIT UNION | 77 | 7.990% | $85,000 | 25.0% |
| Loandepot.Com, LLC | 74 | 6.995% | $245,000 | 25.0% |
| Paramount Residential Mortgage Group, Inc. | 65 | 6.750% | $465,000 | 3.0% |
| Citizens Bank, National Association | 58 | 7.450% | $205,000 | 16.2% |
| PENNYMAC LOAN SERVICES, LLC | 54 | 6.563% | $345,000 | 12.9% |
| CPORT | 54 | Not published | $110,000 | 7.7% |
| Navy Federal Credit Union | 51 | 7.750% | $245,000 | 25.4% |
| CASCO | 49 | 5.990% | $65,000 | 17.0% |
| KeyBank National Association | 48 | 7.850% | $235,000 | 41.6% |
| JPMorgan Chase Bank, National Association | 46 | 6.250% | $430,000 | 9.4% |
| Manufacturers and Traders Trust Company | 46 | 6.313% | $205,000 | 30.4% |
| Maine State Credit Union | 42 | Not published | $155,000 | 18.5% |
| NEWREZ LLC | 41 | 6.625% | $285,000 | 48.8% |
| University Credit Union | 40 | 6.625% | $140,000 | 11.1% |
| LIGHTHOUSE FEDERAL CREDIT UNION | 39 | 7.250% | $125,000 | 34.9% |
| FREEDOM MORTGAGE CORPORATION | 35 | 6.250% | $365,000 | 10.2% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 34 | 6.188% | $340,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 34 | 6.375% | $360,000 | 2.9% |
| Mortgage Research Center, LLC | 33 | 6.125% | $415,000 | 43.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 31 | 6.490% | $255,000 | 25.6% |
| SPRING EQ, LLC | 29 | 8.375% | $85,000 | 58.3% |
| Cornerstone First Mortgage, Inc | 28 | 6.750% | $370,000 | 0.0% |
| EMBRACE HOME LOANS, INC. | 27 | 6.490% | $375,000 | 6.7% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 25 | 6.990% | $345,000 | 7.4% |
| Morgan Stanley Private Bank, National Association | 25 | 5.950% | $615,000 | 0.0% |
| Coastal Community Bank | 22 | 10.490% | $55,000 | 4.8% |
| CUSO MORTGAGE CORPORATION | 22 | 7.000% | $375,000 | 29.0% |
| SIS BANCORP, MHC | 22 | 7.500% | $285,000 | 21.4% |
| Dirigo Federal Credit Union | 22 | Not published | $105,000 | 0.0% |
| NORTHEAST HOME LOAN, LLC | 22 | 6.990% | $470,000 | 4.4% |
| Colorado Federal Savings Bank | 21 | 6.375% | $375,000 | 4.6% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 21 | 7.875% | $305,000 | 14.8% |
| FIGURE LENDING LLC | 20 | 10.100% | $55,000 | 29.3% |
| Wells Fargo Bank, National Association | 20 | 6.625% | $375,000 | 13.0% |
| AmeriSave Mortgage Corporation | 19 | 7.750% | $95,000 | 75.6% |
| USAA Federal Savings Bank | 19 | 6.375% | $405,000 | 40.6% |
| Maine Savings Federal Credit Union | 19 | 7.250% | $155,000 | 26.5% |
| HARBORONE MORTGAGE, LLC | 18 | 6.500% | $370,000 | 10.0% |
| Leader Bank, National Association | 18 | 6.313% | $505,000 | 10.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 17 | 6.490% | $385,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 16 | 6.813% | $145,000 | 26.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 15 | 5.625% | $565,000 | 11.8% |
| LAKEVIEW LOAN SERVICING, LLC | 14 | 6.433% | $325,000 | 57.8% |
| CARRINGTON MORTGAGE SERVICES, LLC | 14 | 6.933% | $170,000 | 55.9% |
| Machias Savings Bank | 14 | 7.500% | $560,000 | 27.3% |
| Katahdin Trust Company | 14 | Not published | $510,000 | 17.7% |
| Coast Line Credit Union | 14 | 6.813% | $60,000 | 11.1% |
| T2 FINANCIAL LLC | 13 | 6.875% | $285,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 12 | 6.688% | $395,000 | 64.7% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 12 | 6.188% | $380,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 11 | 6.990% | $305,000 | 54.2% |
| PEOPLESCHOICE CREDIT UNION | 11 | Not published | $565,000 | 8.3% |
| First National Bank | 11 | 7.000% | $285,000 | 8.3% |
| DAS Acquisition Company, LLC | 11 | 6.875% | $265,000 | 0.0% |
| NORTHERN MORTGAGE SERVICES, LLC | 11 | 6.490% | $455,000 | 0.0% |
| EMM LOANS LLC | 11 | 6.875% | $365,000 | 0.0% |
| THE LOAN STORE, INC. | 10 | 6.495% | $465,000 | 21.4% |
| LONGBRIDGE FINANCIAL, LLC | 10 | 5.750% | $230,000 | 0.0% |
| WESTERLY COMMUNITY | 10 | 7.750% | $90,000 | 0.0% |
| Discover Bank | 9 | Under 10 loans | Under 10 loans | 79.6% |
| PNC Bank, National Association | 9 | Under 10 loans | Under 10 loans | 50.0% |
| PHH Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Rockland Trust Company | 9 | Under 10 loans | Under 10 loans | 16.7% |
| ALLIANT CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 18.2% |
| MEGASTAR FINANCIAL CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings and Loan Association of Bath | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Kennebunk Savings Bank | 8 | Under 10 loans | Under 10 loans | 25.0% |
| Service Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 18.2% |
| Skowhegan Savings Bank | 7 | Under 10 loans | Under 10 loans | 50.0% |
| FIVE COUNTY CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 50.0% |
| Bethpage Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 22.2% |
| TRADEMARK | 7 | Under 10 loans | Under 10 loans | 12.5% |
| FINANCE OF AMERICA REVERSE LLC | 7 | Under 10 loans | Under 10 loans | 27.3% |
| KIND LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| UBS Bank USA | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 7 | Under 10 loans | Under 10 loans | 12.5% |
| QUORUM FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 38.5% |
| Truist Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 33.3% |
| LENDSURE MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 12.5% |
| MOVEMENT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| SACO VALLEY CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AMERICAN HERITAGE LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 57.1% |
| AMERICAN FINANCING CORPORATION | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Hometown Equity Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 50.0% |
| DIGITAL | 5 | Under 10 loans | Under 10 loans | 37.5% |
| ENVOY MORTGAGE, LTD | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Citibank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MEMBERS MORTGAGE COMPANY, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 4 | Under 10 loans | Under 10 loans | 60.0% |
| Bar Harbor Bank & Trust | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Luminate Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 28.6% |
| Servion, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Webster Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Washington Trust Company, of Westerly | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| TOP FLITE FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| BMO Bank National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MERRIMACK VALLEY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Meredith Village Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mascoma Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 27.3% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 2 | Under 10 loans | Under 10 loans | 25.0% |
| OCEAN STATE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hanscom Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NBT Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Waterstone Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PeoplesBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| bankESB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 33.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT HOME FUNDING, INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ASSURANCE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SEABOARD FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Everett Co-operative Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SALEM FIVE MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LISBON COMMUNITY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CENTRAL ONE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Merrimack County Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 94.1% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 147 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Cumberland County
119 FDIC-insured branches from 19 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Maine Community Bank | 16 | $1.6 billion |
| Norway Savings Bank | 16 | $881.3 million |
| TD Bank, National Association | 12 | $2.5 billion |
| KeyBank National Association | 11 | $1.8 billion |
| Bank of America, National Association | 10 | $2.0 billion |
| Bangor Savings Bank | 10 | $1.0 billion |
| Bath Savings Institution | 9 | $501.4 million |
| Manufacturers and Traders Trust Company | 7 | $207.9 million |
| JPMorgan Chase Bank, National Association | 5 | $143.4 million |
| Northeast Bank | 4 | $3.0 billion |
| The Camden National Bank | 4 | $834.8 million |
| Saco & Biddeford Savings Institution | 4 | $228.7 million |
| Androscoggin Savings Bank | 3 | $461.8 million |
| Kennebec Savings Bank | 2 | $138.9 million |
| NBT Bank, National Association | 2 | $67.4 million |
| Machias Savings Bank | 1 | $502.4 million |
| Bar Harbor Bank & Trust | 1 | $55.6 million |
| Katahdin Trust Company | 1 | $46.1 million |
| Skowhegan Savings Bank | 1 | $17.9 million |
Closed since the 2025 survey
2 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Manufacturers and Traders Trust Company, 780 Roosevelt Trl, Windham
- TD Bank, National Association, 835 Main St, Westbrook
Get told when this changes
When the next year’s lending figures are out for Cumberland County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.